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Freedom health insurance review

Freedom health insurance are a popular insurance provider in the UK, with a wide range of policies to choose from. With great additional benefits plus comprehensive core cover (treatment at over 1,000 hospitals included as standard), Freedom is an attractive option for many consumers.

Health insurance is more popular than ever in the UK, providing top quality private healthcare at a minimal cost. Freedom has a lot to offer to their UK customers with benefits such as not setting prices based on where you live, guaranteed no price increases in the first 2 years and more.

About Freedom Health Ltd

The Freedom Health Insurance company has been selling policies in the UK since 2003. They are a family run business who focus on putting their customer’s needs at the forefront of everything they do.

Though they are a smaller provider, they have been growing in popularity with UK consumers.

About Freedom Insurance health insurance

Freedom health insurance provides policies specifically designed to help you cover the cost of private healthcare if you become unwell. With NHS services being more and more stretched, health insurance is becoming a popular choice for many people across the UK.

Key features of Freedom health insurance:

  • Guaranteed NO price increase for premiums in the first 2 years of your policy
  • Prices are not set by your postcode (helpful if you live an area where healthcare is normally more expensive e.g. London)
  • Claims won’t affect how much you pay each month (community rated scheme)
  • Covers treatment in almost ALL UK hospitals (HCA hospitals excluded but can be added for an extra cost)
  • Freedom offer comprehensive cancer cover to give you peace of mind
  • Wide range of additional benefits to add to your policy for extra protection
  • You only pay for the first child added to your policy (any child after this will get FREE cover)

Freedom health insurance is increasing in popularity with UK consumers because of the benefits listed above and their great customer service record (currently rated 4.4 out of 5.0 stars on Feefo).

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Freedom health insurance may not be one of the biggest and best-known brands, but they are becoming a popular choice among UK customers. They offer a good range of policies and cover options, allowing you to tailor your health insurance to your own needs and budget.

If you’re looking for flexible policies and top quality health care, Freedom health insurance could be a good option for you.

Freedom health insurance coverage is extensive, with the choice of treatment at over 1,000 UK hospitals included at no extra cost. You can add Plus Hospitals cover to this for an even greater range of choice (mostly London based option).

Freedom health insurance awards

2021

UK Health & Protection Awards – Best Individual Healthcare Provider

2022

Cover Customer Care Awards – Outstanding Intermediary Support Team

2023

Cover Customer Care Awards – Above and Beyond Award

How does Freedom health insurance work?

Freedom sells 3 main types of health insurance policy:

  1. Freedom Elite Comprehensive Health Insurance – This policy includes comprehensive core cover, enhanced cancer cover and the option to add additional benefits.
  2. Freedom Essential Cost-Conscious Health Insurance – This is a good policy option for someone on a tighter budget. You receive a fixed cash benefit if you are admitted to hospital. You can use this to cover the costs of private treatment (in the UK or abroad). You will receive 50% of the benefit to support you in your recovery if you choose an NHS hospital for treatment.
  3. Freedom Worldwide International Health Insurance – This covers you for private medical treatment when living or working abroad with 5 levels of cover to choose from. You can also switch over to a Freedom Elite plan when you return to the UK with no additional exclusions.

What does Freedom Elite health insurance cover?

Type of CoverFreedom Private Medical Insurance
Available policiesFreedom Elite Health Insurance
What is covered?Freedom Elite health insurance will cover private healthcare costs with key benefits like:

Dental surgery (limits apply)
Specialist fees/hospital fees
Home nursing
Private road ambulance
Specified pregnancy complications
Maternity cash benefit (£150 per child)
MRI, CT and PET scans NHS cash benefit (£200 per night for elective inpatient treatment, £100 per day for elective day patient treatment)
Comprehensive cancer cover including chemotherapy and radiotherapy
Diagnostic tests e.g. blood tests, X-rays (certain policies)
Surgery to treat acute medical conditions (certain policies)
Follow up consultations (certain policies)

Note: You can also add extra benefits to your policy for a higher level of cover such as dental and mental health benefits.  
What is not covered?Freedom health insurance will not cover you for:  

Pre-existing medical conditions or related conditions
Ongoing/long term (chronic) medical conditions
A&E admissions and other emergency treatment
AIDS or HIV
Addiction and alcohol/substance abuse
Allergies
Appliances, devices, drugs and dressings
Contraception and birth control
Cosmetic and reconstructive treatment
Birth defects/congenital abnormalities
Dental cover (unless added)
Experimental treatments
Dangerous activities
Not following medical advice or failure to take reasonable care to avoid injury/illness
Mental health care (unless added)
Obesity/weight loss surgery
Pregnancy and childbirth (specific complications of pregnancy are covered)
Professional sports
Transplants
Warts and verrucae
Varicose veins (unless under certain circumstances)
Screening/monitoring and preventative treatments
Policy termYou will usually be covered for 12 months (1 year) from the start of your policy. You can then renew your cover after this.
Where am I covered?You will be covered for private healthcare costs within the UK.
Increasing cover option included?You can add extra benefits to your policy to enhance your cover such as:  

Dental benefit
Mental health cover
Plus hospital cover option
Outpatient treatment cover
Alternative therapies cover
Decreasing cover option included?There isn’t a ‘decreasing option’ but you can choose to remove additional benefits when renewing your cover for the next policy year.
Premium options (when do I pay?)You will pay for your cover either annually or by monthly Direct Debit. If paying annually, you can pay via Direct Debit, cheque, bank transfer, credit or debit card.

What does Freedom Essentials health insurance cover?

Type of CoverFreedom Private Medical Insurance
Available policiesFreedom Essentials Health Insurance
What is covered?Freedom Essentials health insurance will pay out for:

Fixed cash benefits (for day patient and in patient treatments at private hospitals)
50% fixed cash benefit (if treated at an NHS hospital as an in/day patient)
Pregnancy complications (specified in policy documents)
Dental surgery (specified in policy documents)
£200 cash benefit for in/day patient treatment (no procedure required)
CT, MRI, and PET scans (outpatient treatment)
Cancer cash benefit (50% of fixed cash benefit for in/day patient procedures needed as part of active cancer treatment)
Cancer cash benefit (£150 for every visit for radiotherapy or chemotherapy)

Note: You can add an outpatient treatment package for an extra cost. This will cover routine dental and optical costs (up to £150), GP diagnostic tests, specialist consultations and more.  
What is not covered?Freedom Essentials health insurance will not cover you for:  

Treatment of a condition that is a result of not having recommended in/day patient treatment within 6 months of authorisation
Pre-existing medical conditions or related conditions
Ongoing/long term (chronic) medical conditions
A&E admissions and other emergency treatment
AIDS or HIV
Addiction and alcohol/substance abuse
Allergies
Appliances, devices, drugs and dressings
Cancer treatment (except the cancer cash benefit)
Complications following overseas treatment
Contraception and birth control
Cosmetic and reconstructive treatment
Congenital abnormalities and birth defects
Dental treatment (specified dental surgery will be covered)
Experimental treatment
Failure to follow medical advice
Failure to prevent disease, illness or injury
Hazardous and dangerous activities
Mental health care
Pregnancy and childbirth (specified complications will be covered)
Professional sports
Screening, monitoring and preventative treatment
Transplants
Varicose veins
Weight loss treatment
Warts and verrucae  
Policy termYou will usually be covered for 12 months (1 year) from the start of your policy. You can then renew your cover after this.
Where am I covered?You will be covered for private healthcare costs within the UK.  
Your fixed cash benefit will pay out for eligible treatment in the UK or overseas.
Increasing cover option included?You can add outpatient treatment to your policy for a higher level of cover. This will pay out:  

Up to £500 for diagnostic tests arranged by a GP
Up to £500 or £1,500 (depending on level of cover) for consultations with a specialist, diagnostic tests and physiotherapy
Fixed cash benefit for minor out patient procedures
Up to £150 for routine dental/optical costs
Maternity cash benefit (£150 per child born after the first 10 months of your policy)
Decreasing cover option included?There isn’t a ‘decreasing option’ but you can choose to remove additional benefits when renewing your cover for the next policy year.
Premium options (when do I pay?)You will pay for your cover either annually or by monthly Direct Debit. If paying annually, you can pay via Direct Debit, cheque, bank transfer, credit or debit card.

What does Freedom Worldwide health insurance cover?

Type of CoverFreedom Private Medical Insurance
Available policiesFreedom Worldwide Health Insurance (Bronze)
Freedom Worldwide Health Insurance (Silver)
Freedom Worldwide Health Insurance (Gold)
Freedom Worldwide Health Insurance (Platinum)
Freedom Worldwide Health Insurance (Diamond)
What is covered?Freedom Worldwide health insurance will pay out for:

Bronze
Private hospital charges
Specialist fees
Private road ambulance
Out patient consultations, diagnostic tests and prescription drugs (directly following inpatient treatment for a maximum of 90 days) Physiotherapy/alternative therapy (directly following inpatient treatment for a maximum of 90 days)
CT, MRI and PET scans (outpatient)
Cancer treatment (oncology fees, diagnostic tests, radiotherapy and chemotherapy)
Medical evacuation and repatriation
Compassionate emergency visit (covers travel costs to visit a critically ill close family member who is under age 70)

Silver also covers:
Transplants
Psychiatric treatment
Pregnancy complications
Hormone replacement therapy
Home nursing
Outpatient surgery
Health checks and vaccinations
Cancer treatment (symptom relief and palliative care)

Diamond, platinum and gold also cover:
Symptom relief and palliative care (chronic medical conditions)
Symptom relief and palliative care (terminal illness)
Dental treatment including routine care, emergency treatment and orthodontic treatment
Maternity benefit
Emergency medical cover
Accidental death benefit

Note: There may be waiting periods for certain treatments which will be detailed in full in your policy documents.  
What is not covered?Freedom Worldwide health insurance will not cover you for:  

Pre-existing medical conditions or related conditions
AIDS or HIV
Addiction and alcohol/substance abuse
Congenital abnormalities and birth defects
Eating disorders
Experimental treatment
Failure to follow medical advice
Infertility and assisted reproduction including IVF
Learning difficulties, behavioural and developmental problems
Obesity and weight loss surgery
Preventative treatment and procedures
Professional sports
Sex change / gender reassignment
Sleep disorders including snoring and sleep apnoea
Surgical appliances and devices  
Policy termYou will usually be covered for 12 months (1 year) from the start of your policy. You can then renew your cover after this.
Where am I covered?You will be covered for private healthcare costs within your area of cover (Europe, Worldwide or Worldwide excluding USA)  
You will have limited cover for emergency treatment outside of your specified area of cover.  
Increasing cover option included?There are 5 levels of cover to choose from, so you can choose as much or as little cover as suits you.
Decreasing cover option included?There isn’t a ‘decreasing option’ but you can choose a lower level of cover if you want to renew your policy for another year.
Premium options (when do I pay?)You will pay for your cover either annually or by monthly Direct Debit. If paying annually, you can pay via Direct Debit, cheque, bank transfer, credit or debit card.

Data sources:

Freedom – Freedom Worldwide Health Insurance Policy Information Document (Bronze)

Freedom – Freedom Worldwide Health Insurance Policy Information Document (Silver)

Requirements for Freedom health insurance

Freedom has several key requirements for their health insurance customers:

  • You must stay up to date with all policy premiums for cover to stay in place (policies may be cancelled if premiums are more than 30 days late)
  • You must answer all question asked when applying/claiming honestly
  • You must notify Freedom of any change to personal details e.g. change of address
  • You must check with the claims team if your claim is eligible and get authorisation before arranging medical treatment (where authorisation is needed)
  • All claims must be submitted within 6 months or they may not be accepted
  • You must be between age 18 – 70 to apply for Freedom health insurance
ProCon
Only UK provider to not set prices based on where you live (postcode)A lot of polices available so may be difficult to work out your best option without advice
2 year no premium increase guarantee for new customersWon’t cover pre-existing medical conditions
Gives you access to top quality care at almost ALL UK hospitals (HCA hospitals not included)There will be limits to cover for certain benefits
Several policies give you the option for international healthcare cover (not always available with other providers)Mental health cover isn’t included as standard (optional extra)

Freedom not only sells a good range of personal health insurance plans, they also have some great options for business healthcare. They have been providing business health insurance for 20 years with thousands of customers across the UK.

Business health insurance helps reduce employee sickness and improve employee satisfaction and retention. Health insurance is seen as an attractive employee benefit which may help with recruiting new staff members too.

There are 3 options for Freedom business health insurance:

  1. Freedom SME Health Insurance – This is a small business health insurance plan which offers a wide range of core benefits and the ability to tailor your cover perfectly to your budget.
  2. Freedom Self Employed Health Insurance – Most insurers don’t offer health insurance specifically designed for self-employed people, but Freedom does! This policy allows you to build a healthcare plan that suits your needs, PLUS you can add your family for extra peace of mind.
  3. Freedom Corporate Health Insurance – These policies work well for larger businesses and can offer cover both in the UK and internationally. Freedom also offers group discounts, meaning you can save by simply having more members signed up to the corporate health plan.

How much does Freedom health insurance cost?

As with any insurer, the cost of health insurance will vary from person to person. This is because Freedom will consider several factors when calculating your premiums. This includes:

  • Your age
  • Level of cover
  • Excess
  • Any additional benefits added to your policy

Freedom is the only health insurance provider in the UK that doesn’t look at your postcode when setting the price of your policy. If you live in an area where healthcare is more expensive (e.g. London), this can make Freedom an appealing choice compared to other insurers.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

YES – You can buy Freedom health insurance if you have medical conditions. However, like with most insurers you won’t be covered for these conditions under your policy. It is possible you may be covered for them in the future, but this depends on the type of underwriting you choose and isn’t guaranteed.

Freedom health insurance contact numbers

Below are the main contact details for Freedom health insurance so you can speak to a team member about a new or existing policy.

Telephone – 0800 999 2013 or 01202 756 350

Fax – 01202 756 351

Emailinfo@freedomhealthinsurance.co.uk

Post:

Freedom Health Insurance,

County Gates House,

 300 Poole Road,

 Poole,

 Dorset,

How to claim on Freedom health insurance

The way you claim on your policy will vary depending on the type of health insurance you have.

Freedom Elite claims

Get an open referral from your GP and then call Freedom to pre-authorise your treatment. When your claim is accepted you can book your appointment and Freedom will contact the provider themselves to pay any bills.

You don’t need pre-authorisation for NHS treatment or optional private GP, dental or optical cover. Simply contact Freedom to claim cash benefits for these treatments and provide your discharge summary (NHS treatment) or itemised receipt. You must claim cash benefit for NHS treatment within 6 months of being discharged.

Freedom Essential claims

Visit your GP and get an open referral letter for your treatment. With Essentials policies, you are free to choose any hospital for your treatment, so it doesn’t need to be one that Freedom approves.

You will however need to check the treatment you are having is eligible for a claim. Contact the Freedom team for help and advice. You can then either be treated privately, in an NHS hospital or overseas.

Freedom will pay out a cash benefit after your treatment that is based on the national average cost of the treatment you had. You will only receive 50% of the cost if you were treated in an NHS hospital.

Freedom Worldwide claims

Visit your doctor about your symptoms and they may suggest further investigations/treatment. If you need inpatient or day patient treatment you will need to pre-authorise this with Freedom first. They will ask for information about your symptoms and treatment needed and the hospital/clinic you would like to be treated in.

Freedom will then contact your doctor for more information and assess your claim. When your claim is authorised, Freedom will settle the bill directly with the provider and deduct any excess.

For outpatient treatment, you don’t need pre-authorisation. Just contact Freedom with details of your claim and an itemised invoice for treatment you have had. If your claim is accepted, Freedom will refund you the cost of your treatment.

To claim on Freedom health insurance, you must:

  1. Be up to date with your policy premium payments
  2. Not be claiming for a pre-existing condition or related condition
  3. Have the right benefits in place for the claim you are making
  4. Have been referred to a specialist by your GP (Elite and Essentials plans)

You can check the Freedom health insurance provider portal to see what specialists are available near you for the treatment you need.

Note: If you use a hospital that is not within your level of cover, Freedom will only pay out for 50% of the hospital charges.

Freedom health insurance claims contact details

Telephone (UK claims) – 01202 283 580

Telephone (International claims) – +44(0) 1202 756 350

Fax – 01202 756 351

Email (UK)claims@fhi.co.uk

Email (International)intclaims@fhi.co.uk

Freedom health insurance hospital lists

Freedom health insurance is different to many other UK health insurance providers. Instead of having several hospital lists to choose from, you are covered for treatment at almost every UK hospital as standard. HCA hospitals are the only ones excluded.

How to cancel Freedom health insurance

You are entitled to cancel your Freedom health insurance policy whenever you want to and for any reason.

Contact Freedom directly if you bought your policy with them online or over the phone. If you bought your cover through a broker, you would need to contact the broker you bought your policy through and notify them of your decision to cancel. They will then contact Freedom to cancel your policy. If you cancel within 14 days of policy start, you will be refunded any premiums you have paid.

How to complain about Freedom health insurance

You are always entitled to complain about your insurance provider if you aren’t happy with your policy or feel you have been poorly treated.

To complain about Freedom health insurance, there are a couple of approaches depending on how you bought your policy. If you bought your policy through a broker, you would need to contact them if your issue is how your policy was sold to you.

If you have an issue with the policy itself or bought directly through Freedom, you can contact their complaints team to submit a complaint. You will need to tell Freedom:

  • Your policy details or claim details
  • Why you are complaining
  • How you would like your complaint to be resolved

Freedom will respond to your complaint in writing within 5 working days to explain their next steps. They aim to resolve complaints as quickly as possible (no longer than 8 weeks).

Freedom health insurance complaints contact details

Email – complaints@freedomhealthinsurance.co.uk

Post:

c/o Managing Director

Freedom Health Insurance,

County Gates House

300 Poole Road,

Poole BH12 1AZ

United Kingdom

Financial Ombudsman Service Logo

Making a complaint to the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.

Telephone – 0800 023 4567 (or 0300 123 9123)

Telephone (outside the UK) – 0207 964 0500

Emailcomplaint.info@financial-ombudsman.org.uk

Access to GP24 – Freedom Elite and Essentials customers will have access to GP24 which is a 24/7 online GP for medical advice, support and diagnosis.

SAVE if you pay annually – If you choose to pay up front for your cover you will save 6% compared to monthly payments.

2 YEAR fixed price guarantee – Freedom promises that your health insurance premiums wont increase for the first 2 years of your policy, even if you make a claim.

HUGE choice of hospitals – Freedom policies will cover you for treatment in almost ALL UK hospitals giving you a wider range of options for your care.

Optional benefits of Freedom health insurance

You can add extra benefits to your policy such as:

Outpatient treatment – This benefit pays out for outpatient treatments, consultations or investigations. You can choose to have no cover, cover up to £1,500 or full cover.

Alternative therapies – Covers you for up to 6 sessions of alternative therapies such as acupuncture, osteopathy, podiatry and more…

Mental health cover – Add on up to £2,000 of mental health outpatient cover and up to 45 days of in patient and day patient cover for enhanced protection

Freedom health insurance UK reviews

You can read independent reviews of Freedom health insurance on sites like TrustPilot and Feefo. This helps you to get an idea of what other customers think of Freedom and the policies and service they provide.

Freedom Health Insurance (TrustPilot score) – 3.7 out of 5.0 stars (as of 07/09/2023)

Freedom Health Insurance (Feefo score) – 4.4 out of 5.0 stars (as of 07/09/2023)

Other policies sold by Freedom

Freedom specialises in health insurance meaning they don’t sell other types of general insurance policies like life insurance or income protection insurance. If you are interested in choosing a provider that you can buy multiple policies from we have some other brilliant partners such as Aviva, The Exeter and Vitality.

Our Health Insurance Partners .

What is Freedom health insurance?Freedom health insurance are UK based insurance provider (established 2003), who provide top quality health insurance to thousands of UK customers.
Who owns Freedom health insurance?Freedom health insurance is owned and run as an independent family run business.
Is Freedom health insurance good?This will come down to opinion, but Freedom has a lot to offer to their customers.  
They have a wide range of flexible insurance policies plus some great additional benefits that can be added on for a higher level of cover.  
Freedom also offers some of the most comprehensive hospital options on the market, with treatment at over 1,000 hospitals covered as standard.
Is Freedom health insurance part of AXA PPP?NO – Freedom is an independent insurer and isn’t owned or underwritten by another provider.

You can either buy Freedom health insurance directly through their website or over the phone or with the help of a health insurance specialist.

It can be helpful to speak with a specialist, especially if you’re unsure of the type of policy you need, or which insurer will work best for you. Our skilled insurance experts will be able to compare quotes across the market quickly and easily to ensure you get top quality cover at the right price.

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